Insurance policies are generally quite confusing and often vary between insurance companies. Most of them promise you a better rate, or better coverage in the event of an accident. Knowing what some of the standard policies cover will help in choosing the right coverage for you. For example, one thing that does not vary between insurance companies that do business in Kentucky is the minimum PIP coverage. PIP stands for ‘Personal Injury Protection’ (also known as Basic Reparation Benefits in other states). In Kentucky, every car insurance company licensed to sell insurance in the Commonwealth is required to provide $10,000 of minimum No-Fault benefits in the case of an automobile accident. This minimum benefit amount is per person, and it covers medical expenses and/or wage losses attributed to the accident.

PIP also may allow for an extension of time in which you may file a claim resulting from an automobile accident. Generally speaking, in Kentucky the statute of limitations is two (2) years from the date of the accident/collision.[1] However, if PIP benefits are paid, then the statute of limitations will be extended by two (2) years after the LAST PIP payment. For example, let’s say you’re involved in a car crash while driving on I-71 in Kentucky on January 1, 2014. You will have until January 1, 2016 to file a claim/suit against the other driver (assuming a valid claim exists against him/her). However, if you are injured in that car accident and your last medical bill is paid by your PIP on July 1, 2014, you will have until July 1, 2016 to file the lawsuit.

If you or someone you know is dealing with an accident related injury in Kentucky or Ohio and have questions regarding PIP, workers’ compensation, or other things regarding an injury claim, please do not hesitate to contact Lawrence & Associates for more information and assistance. We can help!

After an auto accident some people aren’t sure whether they should hire an attorney at all. It’s also tough to decide which Northern Kentucky attorney to hire to represent you in your dealing with insurance companies. No matter what, it is always a good idea to hire an attorney – a good attorney – to represent you in an automobile accident and/or liability claim. Look no further than the insurance industry itself for proof of this fact.

Internal Insurance Company Statistics Show You Should Hire an Attorney

Insurance companies’ internal statistics reveal that claims asserted by attorneys settle for an average of fifty percent higher than claims asserted by claimants without an attorney.[1] On average, you leave fifty percent of the money you deserve, by law, on the table when you decide not to hire an attorney. It doesn’t take long to realize this is a bad deal for you. Remember that insurance company adjusters are trained to pay out as little as possible in any auto accident claim. Further, under Kentucky law the other driver’s insurance company doesn’t have a duty to pay you a fair settlement. Whether these adjusters have an ethical duty to treat injured people fairly is never considered by the insurance company. Insurance companies have a legal duty to investigate the claim, but rarely is a claim’s investigation fairly handled. Rather, insurance company’s use this opportunity to ignore or minimize facts helpful to the injured Northern Kentucky resident and to emphasize other facts that often have no relationship to whether or not an injury occurred.

For example, insurance companies will insist that the following facts are important…

The fact that the injured person did not report a significant injury at the scene or use an ambulance (again, very common even with significant injuries);

Any prior injuries you have had, even if those injuries have nothing to do with the way you were hurt in the crash;

Degenerative Disc Disease or underlying arthritis shown in X-rays (everyone has this, but the insurance claims it is proof that the injured person has a pre-existing injury);

The fact that the emergency room report reports an injury incorrectly (this is more common than you think);

The extent or type of property damage to the cars involved in the wreck;

In truth, none of these things tell the story of your injury, and your claim should never be declined or paid in less-than-full because of these things.

Don’t Get Caught Between Sophisticated Automobile and Health Insurance Companies

A good Northern Kentucky auto accident attorney can help you minimize the effect of liens from health insurance companies and medical providers after your verdict or settlement. Some laws, such as the Medicare Secondary Payer Act, are very complex and almost impossible to wade through even for some attorneys. If you don’t have attorney, the people that are supposed to be on your side – your own insurance company or your medical providers – will often take more of your settlement or verdict than the law requires you to pay. In short, the injured Northern Kentucky resident is often caught between multiple insurance companies, both auto insurance and health insurance, and medical providers who are sophisticated and want to be paid with money that should compensate the injured person for his or her injuries. The unrepresented injured person is often taken advantage of. A full-time Fort Mitchell Kentucky personal injury attorney knows that reaching a resolution with the other person’s insurance carrier is only half the battle, and takes pride in maximizing his or her client’s recovery.

Lawrence & Associates Law Firm also helps auto injury victims in Ohio receive the compensation they deserve. Call us today!

Ohio: (513) 351-5997
Kentucky: (859) 371-5997

[1] Determinants of Total Compensation for Auto Bodily Injury Liability Under No Fault; Investigation, Negotiation and the Suspicion of Fraud, published in Insurance and Risk Management, volume 71, January 2004, at pages 633 through 662.

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